Georgia Navigator Practice Exam

Which of the following represents a component of Essential Health Benefits?

1. Cosmetic surgery

2. Emergency services

3. Luxury health spa treatments

4. Only routine physical examinations

The correct answer is: Emergency services

Emergency services are a vital component of Essential Health Benefits (EHB) as defined by the Affordable Care Act. EHBs are a set of health care service categories that must be covered by certain plans, specifically those offered in the individual and small group markets. Emergency services ensure that individuals receive immediate care for serious medical conditions or injuries without needing prior authorization. These services are crucial for preventing serious health issues and can save lives, which is why they are included as a fundamental part of EHB. In contrast, options such as cosmetic surgery, luxury health spa treatments, and only routine physical examinations do not qualify as essential benefits under the guidelines established by the Affordable Care Act. Cosmetic surgery is typically considered elective and is not covered as a necessity. Luxury health spa treatments also fall outside of the essential care categories meant to address basic health needs. Meanwhile, while routine physical examinations are important for maintaining health, they do not encompass the full range of emergency and acute care services deemed essential.